Trade Republic Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

1% EUR saveback

Annual Fee

€0

Region

EU/EEA

Type

Debit

Network

Visa

KYC

full

Mobile Pay

Apple Pay, Google Pay

Overview

Trade Republic is a German neobroker and bank founded in 2015 by Christian Hecker, Thomas Pischke, and Marco Cancellieri, originally in Munich and now headquartered in Berlin. The company received a full banking licence from the European Central Bank in 2023 and offers commission-free brokerage, savings, and current-account products across the EU.

The Trade Republic Card is a crypto debit card offered by Trade Republic, available in EU/EEA. It offers 1% EUR saveback cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0. It runs on the Visa network and requires full identity verification.

Fees & Costs

FX Fee

0%

Cashback Tiers

Trade Republic Card cashback tiers and requirements

Tier	Rate	Requirement
Cash Saveback	1%	Fiat-funded purchases, EUR 15/mo max
Crypto Saveback	2%	Crypto-funded purchases, EUR 30/mo max

Pros

• Earns 1% EUR saveback cashback on purchases
• Supports Apple Pay and Google Pay

Cons

• Monthly cashback caps may limit earnings

Note: 1% saveback on cash purchases (EUR 15/mo cap), 2% on crypto-funded purchases (EUR 30/mo cap). Auto-invested into savings plan (stocks, ETFs, or crypto). Requires EUR 50/mo savings plan to earn saveback. Card variants: Virtual (free), Classic (EUR 5), Mirror (EUR 50). 8M+ card users. German banking license. Crypto wallet launched Nov 2025 enabling direct crypto spend.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Shakepay Card by Shakepay - 1-1.5% BTC cashback, $0 fee, Canada Only
• Fuse Card by Squads Labs - 0% cashback, $0 fee, US (excl. NY, AK)
• MEXC Card by MEXC - 0% cashback, €0 fee, EU/EEA
• Nexo Card by Nexo - 0.5-2% NEXO cashback, $0 fee, EEA/UK/Switzerland
• Avalanche Card by Rain (via Avalanche) - 0% cashback, $0 fee, US/LATAM/Caribbean/SEA/Africa
• Phantom Cash Card by Phantom - 0% (rewards coming later) cashback, $0 fee, US (excl NY/AK)
• Baanx / Ledger CL Card by Baanx (Crypto Life) - 1-2% cashback, $0 fee, US/UK/EU/LATAM/Canada
• Bitstack Card by Bitstack - Up to 1% BTC cashback, $0 fee, 20 EU countries

FAQ

What is the Trade Republic Card?

The Trade Republic Card is a crypto debit card offered by Trade Republic. It is available in EU/EEA and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the Trade Republic Card offer?

The Trade Republic Card offers 1% EUR saveback cashback. There are 2 tiers: Cash Saveback (1%), Crypto Saveback (2%).

What are the fees for the Trade Republic Card?

The Trade Republic Card has an annual fee of €0. Additional fees: FX fee: 0%.

Where is the Trade Republic Card available?

The Trade Republic Card is available in EU/EEA. Its availability status is "EU/EEA".

Is the Trade Republic Card a credit or debit card?

The Trade Republic Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the Trade Republic Card support Apple Pay or Google Pay?

Yes, the Trade Republic Card supports Apple Pay and Google Pay for contactless payments.

Visit Trade Republic

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.